What loan types does CITY LENDING INC. offer?

CITY LENDING INC. offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does CITY LENDING INC. offer mortgages?

CITY LENDING INC. offers mortgages in 19 states: CA, CT, DC, DE, FL, IL, IN, LA, MD, MO, NC, NJ, OR, PA, TN, TX, VA, WA, WV.

How competitive are CITY LENDING INC.'s mortgage rates?

CITY LENDING INC. has an overall pricing score of 9.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is CITY LENDING INC.?

CITY LENDING INC. is a Independent Mortgage Company headquartered in Vienna, VA.

Unclaimed

City Lending Inc.

Independent Mortgage Company•Vienna, VA•Direct to Consumer

We analyzed every closed loan from City Lending — 1.0k loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Strong

closing strength

Products

Strong

FHA · Conventional

Place

Strong

Multi-Region · 11 mkts

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Safe Rate's Summary

What They Do Well

Strong pull through performance

Things to Think About

Rates typically 88 basis points above market average
Higher than average fees ($5,139)

Explore another lender or local market

Report Card

City Lending Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +87.7 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Multi-Regional12 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Sound	Mediocre	Sound	487	48.5%	+0.797%Above	$5,309Fees
FHA Loans	Sound	Strong	Mediocre	Exceptional	504	50.2%	+0.928%Above	$5,048Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Mediocre	Strong	925	92.1%	+0.914%Above	$5,276Fees
Refinance	Sound	Sound	Acceptable	Sound	79	7.9%	+0.434%Above	$3,494Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,004

Applications

1,375

Volume

$371 million

Pricing & Closing

Avg Rate Spread

+0.877%

vs. market APOR

Avg Net Fees

$5,139

Origination − Credits

Pullthrough Rate

73.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$370,129

Avg Borrower Income

$106,933

Avg Property Value

$418,516

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Strong

States with Loan Originations

CACTDCDEFLILINLAMDMONCNJORPATNTXVAWAWV

Top Metro Areas by Place Specialization Score

Washington, DC, DC-MDMSA

Volume: 172Mix: 17.13%of portfolio

Place

Exceptional

Arlington, VA-WVMSA

Volume: 301Mix: 29.98%of portfolio

Place

Exceptional

Baltimore, MDMSA

Volume: 155Mix: 15.44%of portfolio

Place

Strong

Frederick, MDMSA

Volume: 55Mix: 5.48%of portfolio

Place

Strong

Winchester, VA, VA-WVMSA

Volume: 28Mix: 2.79%of portfolio

Place

Strong

Hagerstown, MD-WVMSA

Volume: 27Mix: 2.69%of portfolio

Place

Sound

Richmond, VA, VAMSA

Volume: 29Mix: 2.89%of portfolio

Place

Sound

Orlando, FLMSA

Volume: 29Mix: 2.89%of portfolio

Place

Sound

Jacksonville, FL, FLMSA

Volume: 17Mix: 1.69%of portfolio

Place

Sound

Tacoma, WAMSA

Volume: 11Mix: 1.10%of portfolio

Place

Sound

Showing 10 of 11 metro areas

Top States by Place Specialization Score

MDState

Volume: 408Mix: 40.64%of portfolio

Place

Exceptional

VAState

Volume: 378Mix: 37.65%of portfolio

Place

Exceptional

FLState

Volume: 83Mix: 8.27%of portfolio

Place

Sound

WAState

Volume: 29Mix: 2.89%of portfolio

Place

Sound

WVState

Volume: 18Mix: 1.79%of portfolio

Place

Sound

NCState

Volume: 22Mix: 2.19%of portfolio

Place

Sound

TXState

Volume: 18Mix: 1.79%of portfolio

Place

Acceptable

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.